Meet our team

We take pride in helping you get the most out of your policies and financial plans. You can count on us to help you choose the right solutions for all your insurance and financial needs. We’re here to provide exceptional service, personalized advice, and straightforward answers to your questions. When you choose Co-operators, you’re choosing a dedicated team that’s on your side, ready to help you meet your needs for today and goals for tomorrow.

Let’s get in touch Prenons contact

By selecting the “Submit” button, I consent to provide my name and contact information to Co-operators General Insurance Company for the purpose of being contacted by email or by phone by a Co-operators independent agent for an initial discussion about my insurance and/or investment needs. I can revoke my consent at any time by notifying the advisor directly at the contact information provided below.

En cliquant sur le bouton Soumettre, j’accepte de fournir mon nom et mes coordonnées à La Compagnie d’assurance générale Co-operators afin qu’un représentant indépendant ou une représentante indépendante de Co-operators communique avec moi par courriel ou par téléphone pour discuter de mes besoins d’assurance ou de placement. Je peux révoquer mon consentement en tout temps en contactant directement le conseiller ou la conseillère aux coordonnées indiquées ci-dessous.

First namePrénom

Last nameNom de famille

Phone numberTéléphone

Email address (optional)Courriel (faculatif)

Scott Lutz

Financial Advisor*

Mutual Fund Investment Specialist**

Scott graduated from Dalhousie University with a Bachelor of Commerce, Co-op program in 2002, and then spent a year backpacking in Australia and New Zealand before moving back home to Yarmouth, NS. In the fall of 2004, Scott began working in his father’s agency, Clyde Lutz and Associates. Finally, after 42 years of building the business, Clyde has turned the keys of his business over to Scott. Clyde’s daughter, Denise, also works in the agency along with Penny, who has been with the agency for the past 20 years.

Scott is married to Jaime, who is an RCMP officer in Yarmouth. They are the proud parents of three children. Scott’s hobbies include fishing, kayaking, and biking. He is involved in the Rotary Club of Yarmouth and is now serving as past president after serving two years as the club's president. He is also a board member of the South Ohio Community Centre. Scott values the importance of higher education and received his Certified Financial Professional designation in 2015 in order to better serve his clients' financial needs.

Scott is excited to take his father’s business to the next level and grow the business that Clyde started 42 years ago.

Location

Yarmouth

Cathy Gavel

Associate Insurance Advisor

Location

Yarmouth

Denise Lutz

Associate Financial Advisor

Denise graduated from Saint Mary's University in 2000 with a Bachelor of Commerce, majoring in Human Resources and Industrial Management. After spending a few years post graduation working in the financial services field for the credit union as a compliance officer, Denise successfully studied for and obtained her Certified Financial Planning Designation in 2004. That same year, Denise decided to join her father's team, Clyde Lutz and Associates, representing The Co-operators. Since 2004, Denise has been part of a dedicated team focusing her role on financial and estate planning. In July 2011, Denise and her brother Scott took over the agency their father started 42 years ago. Denise is proud to be continuing on with her dad's legacy and servicing clients the way he has done for 42 years.